If you don't want to work up a sweat, what about the option of an Electric Scooter?
These scooters generally have a range of about 30 miles on a charge, and will do around 25-30mph with a 150lb rider aboard. Price range is anywhere from $500 to $5000 for mopeds, scooters right up to motorcycles with longer ranges that will do near highway speeds.
Recumbent bikes offer better aerodynamics, and its also possible to nearly enclose them for protection from rain
There are also numerous commuter cars being built now, you can find out more about them at
Electric Bikes
Your main problems with these in the US right now would be getting them registered and insured.
While rain is certainly a problem in FL, you can pick up a good Gore-Tex Jumpsuit for around $300 to wear over your suit & tie. A better plan would probably be to keep the suit in a pannier bag and change in the office bathroom though.
If you are a Do-it-yourselfer, you can buy plans for building some of these things yourself, and with parts from old bicycles and car batteries, probably put together a decent one for a few hundred dollars.
Certainly there are still many reasons why long term this probably doesn't work out all that well, since the power grids in many areas will become intermittent. However, once that happens, commuting to work will be the least of your worries
If you live out on a Doomstead and have your own PV and Windmill power generation capability, you could keep many of these vehicles operating for quite some time using automobile batteries available all over the place in cars that won't be running. Of course the range and acceleration won't be as good as with a lithium polymer battery, but you could invest in a few extra battery packs at around $300 each to last you a few years.
After that, if you don't like pushing the pedals yourself, probably your best investment would be a Horse, as long as you can feed both the horse and yourself anyhow. By the time we get to the horses though, Florida won't be heavily populated anymore, so no worries there either
Anyhow, a cheap used car, an electric scooter and a bicycle should keep you covered transportation wise for at least the next year or two. After that, all bets are off.
Reverse Engineer